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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,895 | $91,911-53.3% | $68,612-37.5% | $135,379-68.3% |
| Participation rate | 62.5% | 76.7%-14.2pp | 72.2%-9.7pp | 82.6%-20.1pp |
| Annual return | -5.66% | -8.22%+2.6pp | -4.63%-1.0pp | 519.79%-525.4pp |
| Employer contribution / active EE | $3,508 | $3,924-10.6% | $2,625+33.7% | $4,779-26.6% |
| Participant deferral / active EE | $3,163 | $4,315-26.7% | $3,311-4.5% | $5,609-43.6% |
| Admin fee / account holder | $987 | $9,240-89.3% | $5,131-80.8% | $10,828-90.9% |